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Serving you is our priority.


 

Click below to speak with a Relationship Manager today!

Debbie Jackson

Debbie Jackson

A.V.P.

Asst. Financial Center Manager

(859) 233-8902

Brad Simpson

Brad Simpson

No Title 

Asst. Financial Center Manager & Security Officer

(859) 303-7279

MLO NMLS ID# 1139050

Corey Zacher

Corey Zacher

No Title 

Asst. Financial Center Manager

(859) 685-3056

MLO NMLS ID# 1716037

The complimentary services that are provided with our checking accounts include:

  • Online & Mobile Banking
  • Online Bill Pay
  • Person to Person Payments
  • Digital Wallet for your phone with Apple®, Samsung® and Google Pay™
  • Instant Issue Debit Cards
  • e-Statements with online check images
  • EZSwitch concierge service powered by Clickswitch®
  • Access to over 55,000 Surcharge Free Allpoint® ATMs nationwide.

Kasasa® Cash Free Rewards Checking Account

  • Minimum opening deposit: $100.00.
  • Minimum daily balance to waive monthly service charge: $0.00.
  •  Monthly service charge: $0.00.
  • Rewards: 1.00% APY* on balances up to $15,000, if qualifications** are met.

 

Kasasa® Cash Back Free Rewards Checking Account

  • Minimum opening deposit: $100.00.
  • Minimum daily balance to waive monthly service charge: $0.00.
  • Monthly service charge: $0.00.
  • Rewards: 2% cash back on debit card purchases, up to $5.00 per month, if qualifications** are met.

Kasasa® Saver

(only available with a Kasasa® Checking Account)

  • Minimum opening deposit: $1.00.
  • Minimum daily balance to waive monthly service charge: $0.00.
  • Monthly service charge: $0.00.
  • Rewards: 0.50% APY* on balances up to $10,000, if Kasasa® Checking qualifications** are met.

To qualify for Kasasa® Rewards each monthly qualification cycle; have at least 12 debit card purchases that post and settle; be enrolled and receive e-Statements; be enrolled and log into digital banking.

Open Learn More

APY=Annual Percentage Yield. APY is accurate as of 08/01/2021. Rates may change after account is opened. Minimum to open account is $100 for Kasasa® Cash, $100 for Kasasa® Cash Back and $1 for Kasasa® Saver. Must be consent to be enrolled and receive e-Statement notice to open account.

Disclosures:

Kasasa® Cash Account: when qualifications are met each monthly qualification cycle, (1) Domestic ATM fees incurred during qualification cycle will be reimbursed up to $20.00 ($4.99 per single transaction) and credited to account on the last day of monthly statement cycle; (2) balances up to $15,000 receive APY of 1.00%; and (3) balances over $15,000 earn 0.15% interest rate on the portion of the balance over $15,000 resulting in 1.00%-0.26% APY depending on the balance. The advertised Kasasa® Cash APY is based on compounding interest. If applicable, interest earned in Kasasa® Cash is automatically transferred to Kasasa® Saver each statement cycle and does not compound. Actual interest amount paid may be less than advertised Kasasa® Cash APY. If qualifications are not met on Kasasa® Cash all balances earn 0.01% APY.

 

Kasasa® Cash Back Account: When monthly qualifications are met, you will receive 2% cash back on debit card purchases that post and settle to the account during monthly qualification cycle up to a total cash back of $5.00 per monthly qualification cycle. Domestic ATM fees incurred during qualification cycle will be reimbursed up to $20.00 ($4.99 per single transaction) and credited to account on the last day of monthly statement cycle. Kasasa® Cash Back rewards will be credited to your Kasasa® Saver account the last day of the monthly statement cycle, as applicable.

 

When Kasasa® Saver is added as a companion, Kasasa® Cash or Kasasa® Cash Back rewards will be credited to your Kasasa® Saver account on the last day of the monthly statement cycle. If qualifications in Kasasa® Cash or Kasasa® Cash Back are met each monthly qualification cycle; (1) balances up to $10,000 in Kasasa® Saver receive an APR of 0.50% ; and (2) balances over $10,000 in Kasasa® Saver earn 0.15% interest rate on that portion of the balance, resulting in 0.50%-0.18% APY depending on the balance. If qualifications are not met on Kasasa® Cash or Kasasa® Cash Back, as applicable, all balances in the Kasasa® Saver earn 0.01% APY.

 

Qualifying Transactions for Kasasa® Cash and Cash Back include:

  • Have at least 12 debit card purchases post and settle
  • Be enrolled and receive eStatement notice
  • Be enrolled and log into digital banking at least once

 

LIMIT ONE ACCOUNT per SSN. Qualifying transactions must post and settle to account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post and settle to account. ATM processed transactions do not count towards qualifying debit card transactions. ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher. “Monthly Qualification Cycle” means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle.  We have the right to close any of your deposit accounts or terminate any service provided in connection with an account, at any time, without advance notice. Our decision to close an account or terminate a service will not affect your existing obligations to us, including any obligation to pay fees or charges incurred prior to termination.

 Interest Checking Account

  • Minimum opening deposit: $100.00.
  • Minimum daily balance to waive monthly service charge: $1,000.00.
  • Monthly service charge: $8.00.

Health Savings Account (HSA)

(For qualified health related expenses as defined by the Internal Revenue Service.)

  • Minimum opening deposit: $0.00.
  • Minimum daily balance to waive monthly service charge: $250.00.
  • Monthly service charge: $3.00.

In order to open a Health Savings Account, individuals must be covered under a high-deductible health plan, other qualifications and activity restrictions apply. Please consult with your tax advisor prior to opening an account

Open Disclosure of account terms:

Disclosure of account terms: The following applies to all interest bearing accounts-We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. You must maintain the minimum balance in the account each day to obtain the disclosed annual percentage yield. The interest rate and annual percentage yield will depend upon the daily balance in the account as shown on the Rate Sheet. The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account at any time. Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (i.e. checks). Interest is compounded monthly and is credited to the account monthly. Interest on savings is compounded and credited quarterly. If the account is closed before interest is credited, you will not receive the accrued interest. Fees may reduce earnings.

Reg. GG Account Disclosure-(Unlawful Internet Gambling Enforcement Act Policy Disclosure) June 1, 2010-In accordance with the requirements of the Unlawful Internet Gambling Enforcement Act of 2006 and Regulation GG, this notification is to inform you that restricted transactions are prohibited from being processed through your account or relationship with our institution. Restricted transactions are transactions in which a person accepts credit, funds, instruments, or other proceeds from another person in connection with unlawful internet gambling.

Cycle Date Information

The following dates apply to our Kasasa account(s). Monthly qualification Cycle dates are not the same as our Statement Cycle dates. Please refer to your account’s Truth In Savings disclosure for your account’s specific qualification requirements. To qualify for your account’s rewards, all of your account’s qualifying transactions must post and settle to your specific Kasasa account within the Monthly Qualification Cycle dates stated below. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning your account’s rewards. Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for your accounts rewards.

MonthYearMonthly Qualification Cycle BeginMonthly Qualification Cycle EndStatement Cycle BeginStatement Cycle End
January 2021 12/16/2020 1/19/2021 12/17/2020 01/20/2021
February 2021 01/20/2021 02/16/2021 01/21/2021 02/17/2021
March 2021 02/17/2021 03/16/2021 02/18/2021 03/17/2021
April 2021 03/17/ 2021 04/13/2021 03/18/2021 04/14/2021
May 2021 04/14/2021 05/18/2021 04/15/2021 05/19/2021
June 2021 05/19/2021 06/15/2021 05/20/2021 06/16/2021
July 2021 06/16/2021 07/13/2021 06/17/2021 07/14/2021
August 2021 07/14/2021 08/17/2021 07/15/2021 08/18/2021
September 2021 08/18/2021 09/14/2021 08/19/2021 09/15/2021
October 2021 09/15/2021 10/19/2021 09/16/2021 10/20/ 2021
November 2021 10/20/2021 11/16/2021 10/21/2021 11/17/2021
December 2021 11/17/2021 12/14/2021 11/18/2021 12/15/2021
January 2022 12/15/2021 01/18/2022 12/16/2021 01/19/2022
February 2022 01/19/2022 02/15/2022 01/20/2022 02/16/2022
March 2022 02/16/2022 03/15/2022 0 02/17/2022 03/16/2022
April 2022 03/16/ 2022 04/19/2022 03/17/2022 04/20/2022
May 2022 04/20/2022 05/17/2022 04/21/2022 05/18/2022
June 2022 05/18/2022 06/14/ 2022 05/19/2022 06/15/2022
July 2022 06/15/2022 0 07/19/2022 06/16/2022 07/20/2022
August 2022 07/20/2022 08/16/2022 07/21/2022 08/17/2022
September 2022 08/17/2022 09/13/2022 08/18/2022 09/14/2022
October 2022 09/14/2022 10/18/2022 09/15/2022 10/19/2022
November 2022 10/19/2022 11/15/2022 10/20/2022 11/16/2022
December 2022 11/16/2022 12/13/2022 11/17/2022 12/14/2022

Future Monthly Qualification Cycle and Statement Cycle dates for our Kasasa accounts will be available to you via our website or through one of our Service Representatives within one of our branches.